NOWPayments vs Larecoin: Which Crypto POS Actually Saves Small Businesses Money?

Small business owners face a simple question: Which crypto payment processor actually saves you money?

Not which one has the flashiest marketing. Which one keeps more cash in your pocket.

Let's break down NOWPayments versus Larecoin. Real numbers. Real differences.

The Fee Structure Reality Check

NOWPayments charges 0.5-1% per transaction. Plus network fees. Plus withdrawal fees. Plus currency conversion charges.

Larecoin? Zero platform fees. You pay gas costs on Solana. That's it.

Here's what this looks like at different processing volumes:

Processing $500,000 annually:

• NOWPayments: $2,500-$5,000 in fees

• Larecoin: Under $2,000

• Your savings: 60%+

Processing $1 million annually:

• NOWPayments: $5,000-$10,000 in fees

• Larecoin: Under $2,000

• Your savings: 67-83%

Processing $5 million annually:

• NOWPayments: ~$25,000 in fees

• Larecoin: ~$5,000

• Your savings: 50-80%

The gap widens as you grow. NOWPayments takes a percentage of every sale. Larecoin's costs stay flat.

That's the difference between paying for growth and profiting from it.

Settlement Speed: Your Money, Your Timeline

NOWPayments settles transactions in approximately 5 minutes.

Larecoin settles in 2-3 minutes with sub-second finality on Solana.

But speed isn't the real story here.

The real story is where your money goes.

NOWPayments acts as custodian. They control your funds during processing. You're waiting on them to release your money.

Larecoin enables direct self-custody. Funds hit your wallet immediately. No intermediary. No waiting for permission to access your own revenue.

This matters during volatile markets. This matters when you need liquidity. This matters when you want actual control over your business finances.

The Hidden Costs Nobody Talks About

Platform fees are just the beginning.

NOWPayments charges for:

• Currency conversion (every single time)

• Withdrawal to your bank account

• Network fees (passed through to you)

• Premium support tiers

• API access at scale

Larecoin charges for:

• Solana gas fees (pennies per transaction)

That's the list. One line item.

When you're processing hundreds or thousands of transactions monthly, these "small fees" compound fast. A $10 withdrawal fee doesn't sound like much until you're withdrawing weekly.

Currency conversion fees seem reasonable until you realize you're paying them on every transaction where the customer pays in a different crypto than you want to receive.

Self-Custody: The Freedom Factor

Here's what traditional crypto payment processors don't tell you:

When you use a custodial service, you don't actually control your funds. They do.

They decide when you can withdraw. They decide processing times. They decide hold periods. They can freeze your account. They can demand additional verification. They control your access to your own revenue.

Larecoin flips this model.

Every payment goes directly to your wallet. No intermediary custody. No "pending" status. No waiting for batch processing.

You maintain complete control. You decide when to convert. You decide when to spend. You decide custody arrangements.

This isn't just philosophical. It's practical business security.

NFT Receipts: The Unexpected Advantage

Every Larecoin transaction generates an NFT receipt.

This sounds like a gimmick until you understand what it actually means:

Immutable transaction records. No disputes about what was paid or when. The blockchain proves everything.

Built-in loyalty programs. Issue special NFT receipts for repeat customers. Create collector editions for high-value purchases.

Zero-cost customer engagement. That NFT receipt is a direct line to your customer's wallet. No email list required.

Automated accounting. Every transaction is permanently recorded on-chain with timestamps, amounts, and parties involved.

NOWPayments gives you a transaction ID in their database. Larecoin gives you a verifiable digital asset.

LUSD: Stablecoin Stability Without Stablecoin Fees

Crypto volatility scares merchants. Understandable.

NOWPayments offers instant fiat conversion. Convenient but expensive. You pay for that convenience with higher fees and conversion spreads.

Larecoin integrates LUSD stablecoin. USD-pegged stability on Solana.

Accept crypto. Hold LUSD. Avoid volatility. Skip conversion fees.

When you're ready to convert to fiat, you do it on your terms. Not on a platform's preset schedule with their preset fees.

This gives you the speed of crypto with the predictability of dollars.

The Trade-Offs Worth Considering

Let's be honest about what you're giving up with Larecoin:

No instant bank deposits. NOWPayments can push funds directly to your bank account. Larecoin settles to your crypto wallet.

No hand-holding support. NOWPayments offers extensive customer support. Larecoin assumes you're comfortable with Web3.

No multi-currency auto-conversion. NOWPayments automatically converts between cryptocurrencies. Larecoin requires manual swaps.

These matter if you're brand new to crypto. These matter if you want someone else to handle everything.

But here's what you gain:

50-80% fee savings. Compounding monthly. Growing with your business.

Complete financial sovereignty. Your funds. Your custody. Your control.

Web3-native infrastructure. NFT receipts. On-chain records. Future-proof technology.

Direct integration with DeFi. Use your funds in liquidity pools. Earn yield. Access decentralized finance.

The question isn't which is "better." The question is which aligns with your business model and technical comfort level.

Real-World Scenario: Coffee Shop Edition

Small coffee shop. $50,000 monthly revenue. 30% crypto payments.

With NOWPayments:

• $15,000 monthly crypto volume

• $75-$150 platform fees

• $20-40 withdrawal fees

• $30-60 conversion fees

• Total: $125-250/month

With Larecoin:

• $15,000 monthly crypto volume

• $0 platform fees

• $5-10 gas costs

• $0 conversion fees (holding LUSD)

• Total: $5-10/month

Annual difference: $1,440-2,880 saved.

That's hiring a part-time barista. That's upgrading equipment. That's profit margin expansion.

The Bottom Line for Merchants

NOWPayments works if you need:

• Instant fiat conversion

• Traditional support structures

• Minimal crypto knowledge required

• Established infrastructure

Larecoin works if you want:

• Maximum fee savings

• Self-custody control

• Web3-native features

• Financial independence

For merchants processing serious volume? Larecoin's fee advantage compounds into five-figure annual savings.

For merchants comfortable with crypto? Larecoin's self-custody model eliminates counterparty risk.

For merchants building Web3-native brands? Larecoin's NFT receipts and DeFi integration future-proof your payment infrastructure.

Make the Switch

The math is clear. The technology is proven. The ecosystem is live.

Learn more about reducing interchange fees with Web3 payments.

Start saving on crypto payment processing. Start controlling your own funds. Start building on Solana.

Your competitors are already making the switch. Question is whether you'll lead or follow.

Visit larecoin.com to set up your merchant account today.

Zero platform fees. Direct custody. NFT receipts on every sale.

That's not a payment processor. That's financial freedom.